You may not agree with me but do you know that people who are constantly stuck with debts or credit card debts tend to be short tempered and unhappy? I have personally seen families broken and marriages strained when couples quarreled about their financial woes and often times, they would be stressed about how to pay off their credit card debts. It’s common for us to judge a book by its cover, so much so that we tend to admire the rich and famous and their luxury living. But do you know that these people may also be the ones who are wondering how to pay off credit card debts? They may be living luxuriously and be clad in designer clothing like Prada, Gucci and Chanel but little do you know that their debtors are knocking on their doors with demands of payment.

I’m not saying that it’s no good to own credit cards cos they are indeed useful and convenient. In fact, you need them to buy stuff online and book your hotels online too. But what I’m saying here is to exercise discipline and caution and not try to live like the Joneses and later face the regret of surmounting debts like many people.

Living a simple life that is debt free can grant you a better night’s sleep and the peace of mind. It may mean shopping in cheaper places or eating simple meals but what’s most important is the happiness within you that no money can buy.